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134 Commerce Dr, Berea, KY 40403 Property Records

Madison County property record for 134 Commerce Dr, Berea, KY 40403

Property Summary

Property TypeSingle Family Home
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on Record
Last Sale$265,000 (Jun 2026)
Tax Bill$2,022 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Aug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0048-0000-0027-ZZ

Property Details

APN / Parcel Number

Primary APN0048-0000-0027-ZZ
Alternative APNs
  • 101581
  • 138821
  • 68854

Exterior

Lot Area9,583 sqft (0.22 acres)

Location & Zoning

Account Number68854
Street Address134 COMMERCE DR
CityBEREA
StateKY
Zip40403-8870
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINTERSTATE BUSINESS CENTER LOT 25
Legal SubdivisionINTERSTATE BUS CNTR
Legal Lot Number25
JurisdictionMADISON KY
Township / Civil DivisionBEREA
Census Block Group2
Census Block2027
Census Tract11401

Owner

Source: Madison County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address134 COMMERCE DR, BEREA, KY 40403-8870
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2026Deed, Transfer · FHA Mortgage
DFT2 FINANCIAL LLC
Aug 3, 2021Deed, Transfer · Conventional Mortgage
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 24, 2026 · Amount on Record
Deed SaleJun 24, 2026 · Amount on Record
Prior SaleAug 3, 2021 · Amount on Record
Deed Document Number202614357877
Deed Book / Page884 / 448
Record UpdatedSep 20, 2026

June 2026: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateJun 24, 2026
Property Address134 COMMERCE DR, BEREA, KY 40403-8870
Document Number0014357877
Book / Page884 / 448
Instrument DateJun 4, 2026
Instrument202614357877
Transaction TypeTransfer
Record UpdatedJun 30, 2026
Title CompanyLAND GROUP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$26,765.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address134 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number0014357878,
DateJun 24, 2026
Instrument202614357878
Lender
NameDFT2 FINANCIAL LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate6.36%
Max Rate-1%

August 2021: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateAug 3, 2021
Property Address134 COMMERCE DR, BEREA, KY 40403-8870
Document Number00D809/438
Book / PageD809 / 438
Map ReferenceCAB 21 SL 315
Instrument DateJul 29, 2021
Instrument2014046626
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$214.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 382, BEREA, KY 40403-0382

Transferred To (Grantee/Buyer)

NameVerified Name
Address134 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number2014046627
DateAug 3, 2021
Instrument2014046627
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
MunicipalityBerea City
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,022.00 (-2.79%)$214,500 (-)$214,500 (-)
2023$2,080.00$214,500$214,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSOUTHERN MADISON WATER DISTRICT
serves 14,707 people · EPA ID KY0760407
Water SourcePurchased surface water from BEREA MUNICIPAL UTILITIES
Last State InspectionMay 2023
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
Windstream
DSL · Fiber in parts of the area		100 / 20

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